CHARLOTTE, N.C., July 24, 2013 /PRNewswire/ -- DOUG RAY MBA, RFC, RICP, PRESIDENT OF WEALTH GUARDIANS, has earned the Retirement Income Certified Professional ® (RICP ®) designation from The American College, Bryn Mawr, PA. Candidates for the RICP ® designation must complete a minimum of three college-level courses and are required to pass a series of two-hour proctored exams. They must also have three years of experience, meet stringent ethics requirements, and participate in The College's continuing education program. The RICP ® educational curricula is the most complete and comprehensive program available to professional financial advisors looking to help their clients create sustainable retirement income. The rigorous three-course credential helps advisors master retirement income planning, a key focus area not fully covered in other professional designation programs. From retirement portfolio management techniques and mitigation of plan risks to the proper use of annuities, employer-sponsored benefits and determining the best Social Security claiming age, the RICP ® provides a wealth of practical information for advisors. Using the most current techniques, RICP ®s identify retirement income needs and objectives and evaluate a client's current situation relative to those goals. Individuals who earn a RICP ® can provide expert advice on a broad range of retirement topics including income needs and objectives, estate issues and other risks to the retirement income planning, Social Security, health insurance and housing decisions, and income taxation. Doug has been a financial advisor for 25 years. He graduated from East Carolina in 1979 with a B.S. in Business Administration then served 8 years active duty in the U.S. Navy as a combat aviator and instructor with 2300 flight hours. During his instructor tour in Pensacola, he completed his MBA with a concentration in finance before founding Wealth Guardians. Doug has been a Top of the Table member for the last three years, representing the top 1% of all insurance and financial advisors in the world. He's a Retirement Income Certified Planner, RICP ®, Registered Financial Consultant, Certified Retirement Financial Advisor as well as a licensed insurance professional in both North and South Carolina. The American College is the nation's largest non-profit educational institution devoted to financial services. Holding the highest level of academic accreditation, The College has served as a valued business partner to banks, brokerage firms, insurance companies and others for over 86 years. The American College's faculty represents some of the financial services industry's foremost thought leaders. For more information, visit www.TheAmericanCollege.edu.